Updated 5 May 2017

TSB Bank

House Cover Insurance and Contents Cover Insurance

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Key data

Policy

Underwriter
Tower Insurance
Independent complaints organisation
Insurance & Savings Ombudsman
Sum insured or full replacement?
Full replacement for fire (but not fire following natural disasters)

Excesses

Standard excess - house
$500
Standard excess - contents
$500

Main cover - house

Personal liability - house policy
Up to $2 million
Temporary accommodation
Up to $25,000; includes pets
Recreational features
Yes (present value for swimming and spa pool pumps and motors)
Retaining walls
Yes (essential retaining walls); up to $25,000 (garden retaining walls)

Additional cover - house

Blocked water or sewage pipes
No
Hidden gradual damage caused by internal water pipe, waste pipe or cylinder
Up to $5000 per event
Keys and locks
Up to $1000 (no excess)
Landscaping
Up to $2500
Post-event inflation protection
Up to 10%
Reduced excess for glass or sanitary fixtures
No

Main cover - contents

Personal liability - contents policy
Up to $2 million
Temporary accommodation for homeowners following loss
Up to $25,000; includes pets
Temporary accommodation for tenants following loss
Up to $25,000; includes pets
Removal, return and storage of contents following loss
Up to $2000

Specific items

Bicycles
Replacement value if under 10 years old up to $10,000
Books
Replacement value if under 10 years old
Cameras and accessories
Replacement value up to $2500
Carpets and floor coverings - unfixed
Replacement value if under 10 years old up to $10,000
Clothing and footwear
Present value
Collections (eg stamps)
Up to $3000 for all collections unless otherwise specified
Computers and computer software
Replacement value for computers and software under 5 years old up to $10,000
Credit card cover
Up to $1000 if card used fraudulently
Jewellery and watches
Replacement value up to $2500 per item unless otherwise specified; $15,000 total per event
Mobile phones
Replacement value if under 10 years old
Money
Up to $1200
Motor vehicle parts and accessories
No
Sporting equipment
Replacement value if under 10 years old up to $10,000 (watercraft limited to $1000)
Works of art
Replacement value if under 10 years old up to $10,000 unless otherwise specified

Additional cover - contents

Hidden gradual damage caused by water pipe, waste pipe or cylinder
Up to $5000 per event
Home office and professional equipment
Up to $5000 for property from which you gain financial return; $20,000 for “business tools” used at home or outside home (optional extra)
Keys and locks
Up to $1000 (no excess)
Moving contents to a new address
Defined events while moving to a new address (optional extra)

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